If you purchased health insurance through HealthCare.gov or a state Marketplace, you'll receive Form 1095-A, Health Insurance Marketplace Statement. This form is required to calculate and reconcile your Premium Tax Credit (PTC) on Form 8962.
Because Marketplace coverage can affect your refund or balance due, it's important to enter the information from Form 1095-A exactly as it appears on the form.
Before You Begin
Have the following information available:
- Form 1095-A issued by the Marketplace
- Social Security numbers for anyone covered under the policy
- Information regarding shared policies, if the coverage was shared with someone who isn't included on your tax return
Do not file your tax return until you receive Form 1095-A. Filing without it may delay processing of your return or require corrections later.
How to Enter Form 1095-A
After opening your return, follow these steps:
- Select Health Insurance from the left-side menu.
- Answer Yes when asked, "Did you, your spouse, or a dependent have insurance under the Affordable Care Act?"
- Review the household members listed in your return.
If you need to add a household member who is not already listed as a spouse or dependent:
- Select + Household Member.
- Enter the individual's name, date of birth, and Social Security number.
If no additional household members need to be added, select Continue.
Answer the Premium Tax Credit Questions
The program will ask questions about:
- Shared policy allocations
- Advance Premium Tax Credit (APTC) payments
- Repayment limitations
- Coverage changes during the year
- Household income information
Answer each question carefully, using the information shown on Form 1095-A and any Marketplace documentation you received.
You'll then enter the amounts reported on Form 1095-A. Depending on your situation, you may be asked to enter:
- Monthly premium amounts
- Second Lowest Cost Silver Plan (SLCSP) amounts
- Advance Premium Tax Credit payments
- Annual Marketplace information
The program rounds entries to the nearest whole dollar, as required by IRS guidelines.
Dependent Income Information
If a dependent included in your household had income during the year, you may need information from:
- Form 1040 or Form 1040-NR
- Form 2555, if applicable
- Other income records needed to calculate household Modified Adjusted Gross Income (MAGI)
If none of your dependents had income, simply continue to the next section.
What Happens Next?
Once you've entered your Form 1095-A information, the program will automatically complete Form 8962, Premium Tax Credit and calculate whether:
- You're entitled to an additional Premium Tax Credit,
- Your advance payments match the credit allowed, or
- You must repay some of the Advance Premium Tax Credit you received.
Shared Marketplace Policies
Additional information may be required if:
- You divorced or separated during the year.
- A dependent claimed on another return was included on your Marketplace policy.
- Multiple tax returns share the same Marketplace policy.
- You file Married Filing Separately and qualify for a Premium Tax Credit exception.
In these situations, the program will ask questions to determine the appropriate allocation percentages for Form 8962.
How Do I Remove an Incorrect Form 1095-A?
If You Need to Correct the Information
- Return to the Form 1095-A entry screen.
- Replace the incorrect information with the correct amounts from your form.
- Continue through the interview and review your entries before filing.
If You Entered a Form 1095-A by Mistake
- Return to the Health Insurance section of your return.
- When asked "Did you, your spouse, or a dependent have insurance under the Affordable Care Act?", select No.
- Continue through the remaining screens.
- Review your return to make sure Form 1095-A and Form 8962 are no longer included.
2026 Tax Year Guidance
For tax year 2026 returns filed in 2027, taxpayers with Marketplace health insurance must enter Form 1095-A information to reconcile any Advance Premium Tax Credit payments received during the year.
Review Form 1095-A carefully before entering the amounts. If you believe the information is incorrect, contact the Marketplace and request a corrected form before filing your return.
Key Takeaway
Form 1095-A is one of the most important health insurance documents for taxpayers who purchased Marketplace coverage. Enter the form exactly as issued, answer all Premium Tax Credit questions carefully, and let the program calculate Form 8962 for you. Doing so helps ensure you receive the correct Premium Tax Credit and avoid delays in processing your return.
Additional Information
Premium Tax Credit (Form 8962)
How to report shared policy allocation on Form 8962
I am a dependent on another person's return. How do I answer the health insurance question?
How to report shared policy allocation for MFS on Form 8962
How do I report Shared Allocation Policy amounts when I am divorced